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Manage MPF
Asset Allocation and Diversified Investment Strategies: Building a Robust MPF Portfolio
6 mins readA study published in the “Financial Analysts Journal” revealed that asset allocation influences over 90% of long-term investment returns, far outweighing the impact of individual security selection or market timing. In other words, effective asset allocation may significantly boost your investment results and may help to ensure your retirement savings grow more securely.
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Traditional Investment Wisdom: The 60/40 Stock-Bond Allocation
5 mins readThe 60/40 investment strategy is simple: 60% of the portfolio is allocated to stocks, while 40% is invested in bonds or other fixed-income assets. The aim of this mix is to strike a balanced approach: stocks offer higher growth potential and returns, while bonds provide stable income with lower risk.
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Flexibly Withdraw Your MPF to Create a Steady Income in Retirement
4 mins readTypically, trustees are required to process at least four free installment withdrawals per year. If you don’t have urgent financial needs after retirement, you may want to consider not withdrawing your MPF all at once. Instead, take advantage of the flexible installment withdrawal option to "create your own long-term income," or even leave your MPF funds invested to continue growing within the plan.
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Smart Strategies for MPF Withdrawal
4 mins readRetirement marks a major life milestone, and understanding how to withdraw your MPF is a crucial part of your financial plan. This guide will help you navigate the essential details and make smart decisions to manage your retirement savings effectively.
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Everything You Need to Know About MPF Contribution
3 mins readThe MPF system is a cornerstone of retirement protection for employees in Hong Kong. Understanding the contribution requirements ensures both employers and employees fulfill their responsibilities correctly and can plan effectively for the future.
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Three Simple Steps to Make MPF Consolidation Easy
5 mins readLife in Hong Kong is fast-paced, and managing MPF accounts is often overlooked when changing jobs. This can result in multiple MPF accounts under your name, making management inefficient and potentially affecting your investment strategy. In fact, consolidating your MPF personal accounts is straightforward—just follow these three simple steps.
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